Apna Ghar01
What Wazir-e-Azam Apna Ghar is — and what it is not
A subsidised bank loan for a first home, not a free house and not a government allotment. How the name changed, and why you apply at a bank.
6 min · as of 2026-03-17Read →
Federal PM housing loan
Wazir-e-Azam Apna Ghar
A subsidised bank loan for a first home — not a free house, not an allotment, and not the whole of Estate Checks. We score a unit against published caps and show Lahore listings that currently fit. The bank still sanctions the file. We do not certify title.
What this programme is
The State Bank issued it as Mera Ghar – Mera Ashiana, then renamed it Wazir-e-Azam Apna Ghar. You apply at a participating bank or HBFCL. Markup subsidy and risk-sharing sit on the federal side. The loan is still the bank’s decision.
Estate Checks is a listing desk. Cash buyers and bank-file buyers both use it. This page is only for people who want to see whether a Lahore unit sits inside the published caps.
What it is not
- Not a free house or a government allotment.
- Not a cash-purchase product — cash buyers still buy on this site, just not through this loan.
- Not a pass that means “the bank will disburse.”
- Not a title clearance, valuation, or CIB check.
- Not the same as Punjab’s Apni Chhat Apna Ghar construction scheme.
Published caps we score against
Taken from the active rules row (SBP SH&SFD Circular Letter No. 01 of 2026, 2026-03-17). Terms change — re-read the official source before you apply.
- House size
- 10 marla / 2,720 sq ft
- Flat size
- 1,500 sq ft covered
- Published loan cap
- PKR 10,000,000
- Indicative price ceiling
- PKR 11,111,111
- LTV
- 90%
- Tenor
- 20 years (subsidy 10)
- Years 1–10 markup
- 5% fixed
- Rules dated
- 2026-03-17
Who the published rules cover
Allowed purposes
- 1. Buy a completed unit
- 2. Build on a plot you already own
- 3. Buy a plot and build
First housing unit only. If any house already sits in the buyer’s name, stop.
Outside the scheme
- 1. Buy a plot only (no construction)
- 2. Renovate or expand
Debt-burden, CIB, age-at-maturity, and the bank’s own solicitor still sit with the bank. We do not model those here.
Lahore listings that currently fit
Tagged against the caps above — size, purpose, first home, indicative price. Not a bank yes. Not every live unit on Estate Checks.
PKR 7,400,000
Open for bidding
Sample
RegularPass
3-marla house, Johar Town Block G
Johar Town · Block G
3 marla · 30 ft street · Electricity
Highest bid PKR 7,500,000
LDA regular / own scheme
PKR 10,900,000
Sample
RegularPass
1,480 sq ft older flat, Gulberg
Gulberg · II
1,480 sq ft · 30 ft street · Electricity
LDA regular / own scheme
PKR 9,100,000
Sample
Not on listPass
1,100 sq ft flat, Bahria Town
Bahria Town · Sector C
1,100 sq ft · 30 ft street · Electricity
Not found on snapshot
PKR 8,200,000
Sample
RegularPass
1,200 sq ft flat, Johar Town
Johar Town · Near Expo
1,200 sq ft · 30 ft street · Electricity
LDA regular / own scheme
PKR 9,600,000
Sample
RegularPass
5-marla house, Township Sector A-1
Township · A-1
5 marla · 30 ft street · Electricity
LDA regular / own scheme
PKR 6,400,000
Sample
RegularPass
900 sq ft flat, Township
Township · Sector C
900 sq ft · 30 ft street · Electricity
LDA regular / own scheme
Tools on this desk
Use them to see whether a unit can sit inside the published rules. Then walk the unit and the papers.
How to use Apna Ghar
All guidesApna Ghar01
Who can apply: first home, income, and what banks decide
The federal rule is first-time homeowner with a CNIC. There is no single official income floor. Your bank still runs CIB, DBR, and its own minimums.
7 min · as of 2026-04-28Read →
Apna Ghar01
What you can buy in Lahore under the scheme
House up to 10 marla / 2,720 sq ft, flat up to 1,500 sq ft, price that fits a PKR 10 million loan at 90% LTV. Plots alone do not qualify.
8 min · as of 2026-03-17Read →